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Citizens Bancshares Corporation CZBS OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Citizens Bancshares Corporation (CZBS) is a Banks - Regional company in the Financial Services sector, currently trading at $48.47. It has a SharesGrow Score of 78/100, indicating a strong investment profile with 4 out of 7 criteria passed.

Financials: revenue is $43M, +28.7%/yr average growth. Net income is $10M, growing at +43.9%/yr. Net profit margin is 23.8% (strong). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $0 against $85M equity (Debt-to-Equity (D/E) ratio 0, conservative). Debt-to-assets is 0%. Total assets: $1.0B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 50/100 (Partial), Moat 46/100 (Partial), Future ?/100 (Fail), Income 85/100 (Pass).

CZBS SharesGrow Score Overview

80/100

SharesGrow Score

Strong investment profile

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 100/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 50/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 46/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 85/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — CZBS

CZBS trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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CZBS: +28.7%/yr revenue is, +43.9%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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CZBS: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet CZBS: Debt-to-Equity (D/E) ratio 0 (conservative), Current ratio is N/A. Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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CZBS: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 46/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

CZBS: Net profit margin is 23.8%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range39.01-53.59

Volume200

Avg Volume (30D)1.55K

Market Cap$87.29M

Beta (1Y)0.42

Dividend Yield$1.2000

Share Statistics

EPS (TTM)5.35

Shares Outstanding$1.92M

IPO Date1999-04-22

CEOCynthia N. Day

Financial Highlights & Ratios

Revenue (TTM)$43.07M

Gross Profit$43.07M

Net Income$10.26M

Operating Income$13.14M

Total Cash$161.56M

Net Debt$-161.56M

Total Assets$1.03B

Price / Earnings (P/E)9.1

Price / Sales (P/S)2.03

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS1731681052

Price Chart

CZBS

Citizens Bancshares Corporation ↗ · Other OTC

Financial Services • Banks - Regional

39.01 52WK RANGE 53.59

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